What causes buyer limitation

[PPbb]

Some PayPal accounts that have not bee used to sell or receive any payments got what they call " Buyer limitation " which is usually less risky than selling limitations.

Any thoughts what could lead to this kind of limitations? What buying behavior triggers their attention and let them restrict the account?

[agent006140]

cc issuers subscribe to services which detect suspicious,fraudulent activities and will notify the cc issuer,like the card has been used by a buyer who makes rapid purchases buying items which could quickly turned into cash in a mall or a site from various sellers.
or the owner of the card bought a cup of latte at neighborhood Starbuck and then in an hour he is in Cancun buying expensive jewelry,!
Paypal could do the same,an account in hiatus now go on a shopping spree,buying high value items,like gold,iphones,anything which could be quickly turned into cash.
or they could look at the past buying behavior and notice the buyer is buying outside his normal price range.

[agent006140]

When we sign up to use Paypal,we agree to allow Paypal to run a credit report on us, I dont understand how stealth account works,what happens when Paypal runs a report and get no results?

[phaz0rz]

Originally Posted by agent006140

When we sign up to use Paypal,we agree to allow Paypal to run a credit report on us, I dont understand how stealth account works,what happens when Paypal runs a report and get no results?

That's not something you agree to on signup. They would need explicit permission to pull your credit.

[agent006140]

read the Paypal terms and agreement when one signs up to use its service.

[agent006140]

also Paypal offers line of credit ,loan,credit .debit card,I would think this would allow Paypal to pull a credit report.
But just signing up with Paypal,we agree to allow Paypal to pull one,altho it does not do it unless it has to

[phaz0rz]

Originally Posted by agent006140

also Paypal offers line of credit ,loan,credit .debit card,I would think this would allow Paypal to pull a credit report.
But just signing up with Paypal,we agree to allow Paypal to pull one,altho it does not do it unless it has to

If you apply for a PP line of credit of any sort, that's a different story. But they don't pull your credit and you don't give them permission to when you sign up. If they did, we would all have pulls from Paypal showing up on our credit. And I've never seen anything from Paypal on my credit report.

My understanding is they use a 3rd party to do database questions based off of your credit report, but that's not the same as Paypal pulling your credit. If Paypal checked your credit on signup it would be called a "paypal application" rather than "registration", as is the case with merchant accounts.

[SaiJin]

Agent, Paypal doesn't do auto credit checks on mere signups... they can't do that.

[PPbb]

Lol we have gone off topic

[phaz0rz]

Originally Posted by PPbb

Lol we have gone off topic

Threads inevitably always do. The internet has ADD.

Answer to your question - risky buyer behavior leads to buyer account limitations. Risky behavior is any type of activity that can potentially end up costing Paypal money.

[ebaystealth1974]

However they manage it, I've seen bad credit scores negatively affect paypal accounts. Huge rolling reserves and such.

I've built my credit up 150 points over the last year to get wayyyyyy away from the risk of that!(and other reasons of course)

[rsot]

Originally Posted by ebaystealth1974

However they manage it, I've seen bad credit scores negatively affect paypal accounts. Huge rolling reserves and such.

I've built my credit up 150 points over the last year to get wayyyyyy away from the risk of that!(and other reasons of course)

Implying that you have accounts registered in your real info?

[ebaystealth1974]

Yes. (phuck this goddamn 10 character message requirement)

[ebaystealth1974]

It's even dumber than not being able to use the word a55.

[phaz0rz]

I guess they don't want posts like this :

I, g

[ebaystealth1974]

wth is that?

[phaz0rz]

Originally Posted by ebaystealth1974

wth is that?

Incomplete sentence. We don't take kindly to incomplete sentences around these parts.

[agent006140]

Originally Posted by SaiJin

Agent, Paypal doesn't do auto credit checks on mere signups... they can't do that.

they do not do it when you sign up,but they could do it later,if there are reasons to do so.
read your Paypal terms and agreement.
Paypal also has access to information of retailers who have merchant account to accept credit cards,or had at one time or attempt to apply for one in the past.
Some retailers who have closed shops will sell on internet their remaining inventory and receive payments via Paypal.

[agent006140]

By opening up a business account or converting a personal account to a business account, you certify to us that you are using it primarily for a business or commercial purpose. You also consent to PayPal obtaining your personal and/or business credit report from a credit reporting agency at account opening and whenever we reasonably believe there may be an increased level of risk associated with your business account.